Guadalupe County property record for 409 Carlow, Cibolo, TX 78108
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,722 sqft · built 2013 |
| Lot Size | 0.157 acres (6,817 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $383,600 (Aug 2020) |
| Tax Bill | $6,209 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1G3995E11002100000 |
| Primary APN | 1G3995E11002100000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,722 sqft Living Area |
| Gross Area | 3,367 sqft |
| 1st Floor Area | 1,795 sqft |
| 2nd Floor Area | 927 sqft |
| Utility Area | 81 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Concrete |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,817 sqft (0.157 acres) |
| Lot Dimensions | 119 ft deep x 62 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 205 sqft |
| Patio Area | 190 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 409 CARLOW |
|---|---|
| City | CIBOLO |
| State | TX |
| Zip | 78108-1941 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TURNING STONE UNIT-E1 BLOCK 10 LOT 21 0.1565 AC |
| Legal Subdivision | TURNING STONE UNIT-E1 |
| Legal Tract | 21 |
| Legal Block | 10 |
| Legal Lot Number | 21 |
| Jurisdiction | GUADALUPE TX |
| Township / Civil Division | SCHERTZ-CIBOLO |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 210713 |
409 Carlow is owned and occupied by two individuals who bought it in August 2020.
Source: Guadalupe County records, as of August 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10319 WAILUKU DR, PENSACOLA, FL 32506-7858 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 5, 2020 · Amount on File |
| Deed Sale | Aug 5, 2020 · Amount on File |
| Prior Sale | Aug 5, 2020 |
| Deed Document Number | 202099020515 |
| Prior Transfer Date | Oct 24, 2013 |
| Prior Transfer Doc | 0000000567 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GUADALUPE TX |
| Recording Date | Aug 5, 2020 |
| Property Address | 409 CARLOW, CIBOLO, TX 78108-1941 |
| Document Number | 0000020515 |
| Instrument Date | Jul 30, 2020 |
| Instrument | 20515 |
| Transaction Type | Transfer |
| Record Updated | Sep 3, 2020 |
| Title Company | ALAMO TITLE COMPANY, ALAMO TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 409 CARLOW CIBOLO TX 781081941, CIBOLO, TX 78108-1941 |
| Document Number | 20516 |
|---|---|
| Date | Aug 5, 2020 |
| Instrument | 20516 |
| Name | CORNERSTONE HM LNDG |
|---|---|
| Address | HOUSTON, TX 77027 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 4, 2050 |
The 2025 property tax bill for 409 Carlow was $6,209 with a homeowner's exemption, down 7.1% from the year before.
Source: Guadalupe County assessment roll, as of August 12, 2026
| Type | Name |
|---|---|
| State | Texas |
| Municipality | Cibolo City |
| County | Guadalupe County |
| Unified School District | Schertz-Cibolo-Universal City Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $403,116 (+0.57%) Land $44,773 Building $358,343 | $403,116 (+0.57%) Land $44,773 Building $358,343 | |
| 2025 | $6,209.00 (-7.08%) Homeowner's exemption | $400,832 Land $41,091 Building $359,741 | $400,832 Land $41,091 Building $359,741 |
| 2024 | $6,682.00 (+6.05%) | ||
| 2023 | $6,301.00 (-10.02%) Homeowner's exemption | $447,006 Land $55,118 Building $391,888 | $447,006 Land $55,118 Building $391,888 |
| 2022 | $7,003.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 Carlow in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1997.
Source: FEMA National Flood Hazard Layer, effective April 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 4 (1997–2026) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Aug 2026 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 409 Carlow is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 90% of Texas |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GREEN VALLEY SUD serves 52,497 people · EPA ID TX0940020 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2024 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 259 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Guadalupe Valley Electric Cooperative, VTX Communications.
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